Sei uye Paunofunga Kufunga Kuisa Mari Inotengeswa Nezvikwata zvakawanda
Asi mutengi wese anofanira kuparadzira zvinhu pakati pezvikwama zvemari zvakawanda here kana kuti chisarudzo chakaitwa pane imwe nyaya-ne-case basis? Ndezvipi zvimwe zvikonzero zvakanaka zvekutsvaga mari mune imwe nhengo imwechete mutual fund?
Chikonzero nei uye nguva yekuwana mari yekubhadhara mari pane imwechete yakasimba
Paunobata mutero wemari, inowanzochengetwa mukuvimba nekuda kwemuti wekutsvaga uye haisi iyo ye mutual fund kambani kana yekambani yezvekwereti. Nokuda kwechikonzero ichi, vashandi vanofanirwa kuziva kuti hazvishamisi kuti mutual fund yekambani kana yekambani yehurumende ichakundikana uye zvinoita kuti vatengesi varasikirwa nemari.
Kana zviitiko zvakanyanyisa uye zvisingaitiki zvikaitika, zvakadai sokubhadhara, uye kana mari uye iyo yekambani yekambani iine zvikamu zvakasiyana zvemitemo, boka rekambani rekwereti haigoni kutora mari yezvemari yekubhadhara chikwereti chekambani chemari chikwereti pasi pekudarika. Munyaya iyi yakaipisisa, iyo mutual fund kambani yaizobhadhara asi kwete mari inobatanidza. Mari yega yega mari inogona kuramba ichichengeterwa kuchengetedzwa kwebhengi rekuchengetedza mari. Somugumisiro, varimi vanozogona kukwanisa kudzikinura kana kutumira mutual fund share kune imwe kambani.
Vari Mutual Fund Vanotengesa Vakatengesa Kurasikirwa Kwemari?
Muchiitiko chisina kujairika apo vamwe kana kuti mari yose yevatengi mari uye chekuchengetedza zviripo, Mishonga yePuritori Investor Corporation (SIPC) inosanganisira kurasikirwa kusvika ku $ 500 000 (mashoma madhora 250,000 pamari yekurasikirwa).
Saka, kana mutengesi aida kuitamba seyakachengeteka sezvinobvira, havangagoni kuchengetedza mari inopfuura madhora mazana mashanu emadhora pamwe chete mune imwe kambani.
Uyewo chengetedza mupfungwa kuti SIPC inodzivirira vatengi kubva kubhadhara kana kuti kusurukirwa kwekambani yekubatisa mari. Makambani ekubhadhara mari haabatsiri firms, saka vatengi vavo havagoni kudzivirirwa SIPC. Saka iyo chete yodzivirira mutual fund vanoita mari ndeyekuti kana vane mari mubhuku rekutsvaira kana kuisa kamba iyo yekambani yekambani yekubhadhara.
Zvakakosha kuziva kuti kubhadhara kwekambani yemukati, kunyanya guru guru reVanguard kana kuti Fidelity, haringave rine zvinetso zvakanyanya zvemari zvinogona kukuvadza vatengesi. Iyo chete ngozi chaiyo yekuti mutual fund vatengesi vanofanira kufunganya pamusoro payo ndeyo ngozi yemusika (kurasikirwa kwevakuru). Asi kunyange zvakadaro ndiyo ngozi imwechete iyo inhengo yezvakakwanisa kuita kuti uwane kudzoka kwakakwirira.
Kuti zvive zvakanaka zvakasiyana-siyana, vatengesi vanofanira kufungisisa nezvekusiyana kwezvikamu zvakasiyana-siyana zvekubhadhara mari, kwete mutual fund companies.
Mhedziso: Vanguard Investments kuburikidza neOblivious Investor: Inofanirwa Kushandisa Multiple Fund Companies?
Zvinonzwisisika: Mashoko ari pawebsite ino anopa mazano ekukurukurirana chete, uye haafaniri kushandiswa zvisina kunaka sekutsvaga mazano. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.